论文标题
探索少数群体人群中财务文盲和排斥的原因，效果和解决方案
Exploring Causes, Effects, and Solutions to Financial Illiteracy and Exclusion among Minority Demographic Groups
论文作者
论文摘要
各个人口群体的美国人往往具有低收入人群和少数民族风险最高的财务素养。这为通过高息替代金融服务剥削了无银行的低收入家庭的大门。本文研究了最高风险的人群群体中财务文盲和排斥的原因和影响，并被证明将其带入金融主流。本文发现，移民，少数民族和低收入家庭最有可能没有账户。此外，没有银行账户的原因包括银行帐户的高费用，由于金融资产较低或时间，美国人无法维持银行帐户，替代金融服务满足银行需求，并在从福利过渡到劳动力的同时提供最小的帮助。最有效的财务文盲和排斥解决方案包括非营利组织，银行和企业之间的合作伙伴关系，这些伙伴关系使用现有的替代金融服务平台将不受欢迎的产品过渡到满足其需求的产品，在移动银行的使用中教育不受欢迎的人使用，并提供了有利可图的消费者信用产品，并为无需支持的家庭提供了针对其需求的服务，这些功能可为他们的需求提供支持，以实现经济有效的经济能力和适当的财务文明，并提供了针对其需求。
Americans across demographic groups tend to have low financial literacy, with low-income people and minorities at highest risk. This opens the door to the exploitation of unbanked low-income families through high-interest alternative financial services. This paper studies the causes and effects of financial illiteracy and exclusion in the most at-risk demographic groups, and solutions proven to bring them into the financial mainstream. This paper finds that immigrants, ethnic minorities, and low-income families are most likely to be unbanked. Furthermore, the causes for being unbanked include the high fees of bank accounts, the inability of Americans to maintain bank accounts due to low financial assets or time, banking needs being met by alternative financial services, and being provided minimal help while transitioning from welfare to the workforce. The most effective solutions to financial illiteracy and exclusion include partnerships between nonprofits, banks, and businesses that use existing alternative financial service platforms to transition the unbanked into using products that meet their needs, educating the unbanked in the use of mobile banking, and providing profitable consumer credit products targeting unbanked families with features that support their needs in addition to targeted and properly implemented financial literacy programs.
